Besides Marks & Spencer Motor Insurance, M&S Finance Credit Cards and other financial products, M&S Finance Household Insurance deserves particular mention, with it being particularly good value for money, and providing extra insurance cover that many UK insurance companies either don't provide at all, or would charge extra for.

With M&S Finance Premier Contents policy, for example, student's belongings are not only covered at home, but also at college or university. Additionally, dependent relatives are also covered if their belongings happen to be in a nursing home. Even better still, your Marks & Spenser purchases are also protected while you take them home.

Also, on both M&S Finance Premier Household Insurance and Standard Household Insurance policies, you can choose to include Contents Away From Home. This option would then provide valuable cover all of your personal belongings on a worldwide basis.

M&S Finance Insurance: There are, quite literally, hundreds of companies in the UK from whom you can purchase insurance. Whether you're looking for the best deal on Motor Insurance, buildings and contents insurance, or even wedding insurance, it doesn't take long to find a company that will sell you a policy.

However, not all insurance companies, and certainly not all insurance policies, are the same. What may be standard on one insurance policy may be an optional extra on another, for instance; Motor Insurance and Household Insurance are especially like this.

For example, most home and contents insurance policies either ask you to provide the total cost of rebuilding your home plus the total value of your home contents, or they will set an upper limit. This may seem fine at the time, but, in the event of a claim on your Household Insurance policy, the values act as maximum limits, and so you may, in effect, be under-insured and not receive the full value of your insurance claim.

Fortunately, M&S Finance Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

M&S Finance offers a variety of financial and insurance products, but Motor Insurance is something that almost everyone needs - at least if you own a car. Unfortunately there are so many companies offering Motor Insurance today that, after a while, one policy may begin to look much like the next.

Thinking that most Motor Insurance policies are much the same is usually a bad idea. At worst it can be a very expensive mistake - this is when you find out that your Motor Insurance policy doesn't actually cover you for what you thought it did, or it takes your Motor Insurance company months and months to argue over whether to pay you or not. Fortunately M&S Finance Motor Insurance is not like that at all, and when you compare M&S Motor Insurance to the competition then it stacks up quite nicely.

For example, here are just some of the options which come as standard with Marks and Spencer 5 Star Premier cover Motor Insurance (correct at May 2009), which are quite often not included with comparable Motor Insurance plans from companies such as Direct Line, Sainsburys, or Tesco Direct:

• Personal UK and European Breakdown Cover automatically included
• Comprehensive cover for trips abroad in the European Union - up to 90 days per trip
• Courtesy car during approved repairs automatically included
• Cover for Motor Legal Protection automatically included

So, it is clear that, besides being good value, M&S Motor Insurance also provides much more extensive cover than some of the top competitors. Additionally, you don't even need to be behind the wheel to benefit from M&S Finance UK and European Breakdown Cover, since it covers you as a passenger too.

Nail Treatment Pens, at Marks & Spenser
Cuticle softener pen with natural oils to hydrate and soothe your cuticles. Apply daily to the cuticle bed Nail nourishment pen with natural oils, aloe vera and vitamins A, C and E to strengthen your nails while maintaining flexibility and resistance to breaking. Apply daily to the nail surface Nail polish corrector pen angled tips instantly remove dry nail polish to achieve a professional finish. Extra tips can be used as spares or interchanged to prevent colour transfer

M&S 21 Litre Shredder, at Marks and Spencers
Destroy important personal documentation Shreds credit cards 8 sheet shred capacity Metal mesh basket Finger safe system Auto start up Accepts paper clips and staples Reverse option One touch safety cut off Continuous shredding upto 2.5 minutes Easy to set up and operate M&S is a member of the WEEE Distributor Take Back Scheme. Recycling your electronic waste has never been easier! Click here for more information This product is not available for international delivery. Find out more

Autograph Ascari Bedstead - Double (4ft 6in), at M&S
H107 x L238 x W147cm Underbed: H12cm (all dimensions are approximate) Scroll bedhead Hand tied button detail Mattress sold separately All of our fabrics are treated with Stain-Defence™ - a stain resistant finish - at no extra cost. Fabrics are tested for resistance to wear and fading Detailed care instructions are included Delivered flatpack due to size Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item This product is not available for international delivery. Find out more Free swatch service: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 0845 603 1 603 Please note: Images displayed here act as a guide and may not be representative of the finished item. Fabrics are overlayed onto model images, so actual seams and pattern match may differ from what is shown. Leather furniture, in particular, has more seams that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Classic Collection Check Pencil Skirt with Belt, at Marks and Spencer
Sleek and elegant, the pencil skirt is a true style classic. This check print skirt is designed to give a comfortable, flattering fit and polished look

Bow Cluster Charm Necklace, at Mark's & Spencer
Clasp fastening Adjustable length Link chain Spot bow feature Heart and bead charms Necklace length: 36cm, extendable by 5cm

Lace Trim Midis, at Marks and Spencers
Pretty and feminine, these lace trim midi briefs are extremely comfortable to wear and give good coverage at the front and back

Panasonic 32'' TX-L32X10 HD LCD TV, at Marks & Spencers
Display: 32 inch LCD screen, 1,049,088 (1,366 x 768) pixels Dynamic contrast ratio: 15,000:1 Integrated Digital Tuner: Provides access to all Freeview™ terrestrial digital channels and radio stations (subject to coverage in your area) Dimensions: W798 x H551 x D217 mm (with stand), W798 x H510 x D93 mm (without stand) Weight: 13kg with stand V-Audio: Unique sound technology that delivers crystal-clear sound with superior bass performance Connectors: 3x HDMI, S-video input, component video input, PC input and 1 x headphone jack VIERA V-Real 4: Delivers images of mesmerising beauty. This superb picture technology enables you to see all the grand detail of fast moving onscreen images, so you never miss a moment of an action movie or sporting event! 24p Playback: High speed playback of images to recreate the full cinematic experience SD Card Slot: View your treasured photos on the big screen by simply removing your camera's memory card and sliding it into the SD card slot VIERA Link: Enables you to control all your Panasonic AV systems with only one remote Use wall mount T042104 to perfectly mount this TV, Manufacturer: Marks & Spencer

Woodland Scene Playmat and Mobile, at Marks and Spencers
Suitable from birth Padded woodland quilt and arch with 3 different activities For added safety, the stuffing in this product is incorporated in an extra layer This product conforms to the EN71 and the Toy Safety Directive W65 x D65cm, Manufacturer: Marks & Spencer

The Gum Pinot Grigio 2008 - Case of 6, at M&S
Style: Dry Grape variety: Pinot Grigio (Pinot Gris) Country of origin: Australia Closure: Screw cap Bottle: 6 x 75cl. Alcohol by volume: 14% vol. Alcohol units per bottle: 10.5 Alcohol units per 125ml: 1.8 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Luxury Pure Cotton Long Sleeve Stripe Shirt, at Marks & Spencer
Offering a timeless appeal, the soft twill finish of this pure cotton shirt provides easy to wear comfort, while the traditional cut makes it an essential part of any smart wardrobe

Clear Salt & Pepper Condiment Mills, at MarksandSpencer
Pack of 2 Salt and pepper mills Screw top design H14cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Handcrafted Dan's Mouse Wife Valentine Card, at Marks and Spencer
Cover Text: To my wife with all my love xxx Inside mesage: To my darling Valentine xxx Approx size: 220 x 220mm

Autograph Wool Rich Funnel Neck Coat, at M & S
Beautifully designed and finished, the classic funnel neck trench coat is given a modern update with contemporary styling

Long Sleeve Stripe Hooded Top, at Marks & Spencers
A stylish wardrobe essential in pure soft cotton. Ideal for layering

Uva Mira Sauvignon Blanc 2008 - Case of 6, at Marks & Spensers
Style: Dry Grape variety: 100% Sauvignon Blanc Country of origin: South Africa Closure: Screw cap Suitable for Vegetarians and Vegans Bottle: 6 x 75cl. Alcohol by volume: 13.5% vol. Alcohol units per bottle: 10.1 Alcohol units per 125ml: 1.7 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

5 Pairs of Younger Boys' Monkey Socks, at MarksandSpencer
Brighten up his underwear drawer with these fashionable assorted socks

Leather Hip Coin & ID Wallet, at Marks and Spencer
Smart, stylish and practical, this leather wallet makes it easy to organise cards, notes and coins

Cotton Rich Funnel Neck Velour Top, at Marks and Spencers
Treat yourself to plush comfort with this super soft velour top. Perfect for relaxing or exercising in style

Autograph Leather ID Wallet, at Marks and Spencers
Smart, stylish and practical, this leather wallet makes it easy to organise cards, notes and coins.

Autograph Heritage Large Wine Glass, at Marks & Spencers
Contemporary design Ribbed detail H23cm, 42cl, Manufacturer: Marks & Spencer

Younger Girls' Buckle Shoes, at M+S
Round toe Single strap with buckle fastening Contrast lining Flat sole Comes in sizes 4-13

Soft Grip Masher, at Marks & Spencer
Loop in the handle for hanging Soft grip handle L27cm, Manufacturer: Marks & Spencer

Artificial Teardrop Orchid in Mirror Glass Vase, at Marks & Spensers
Artificial orchid Oval shaped vase Height: 51cm, Manufacturer: Marks & Spencer

Construction Set, at Marks n Spencer
Suitable for ages 3-6 years 5 construction vehicles Includes a die cast dumper truck, excavator, crane, bulldozer and a digger Imaginative play This product conforms to the EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Provence Floral Table Lamp, at Marks n Spencer
Ceramic floral stand Conical fabric shade M&S is a member of the WEEE Distributor Take Back Scheme. Recycling your electronic waste has never been easier! Click here for more information This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Autograph FreedomŽ Roses - Two Dozen, at Mark's & Spencer
These extra-long stemmed, large-headed roses come in a selection of glorious shades. All of the rose bouquets are hand-tied and beautifully wrapped in frosted Autograph™ cellophane and black ribbon Available for delivery from 1st April to 30th September 2009

2 Duck Feather & Down Pillows, at Marks & Spencers
Pack of 2 Medium support Pure cotton cover 230 thread count and 100% cotton downproof cover W48cm x L76cm, Manufacturer: Marks & Spencer

Parasol Tealight Holder, at MarksandSpencer
6 arms Fits snugly around your parasol Approx size: W28 x Diam 28 x H14.5cm, Manufacturer: Marks & Spencer

Collezione Suedette Single Breasted Jacket, at Marks n Spencer
Italian tailoring is renowned for its sophisticated style. Each collezione suit is designed with that same passion, using the finest fabrics and best tailoring techniques. Inspired by Italian flair, we've lavished time and care on this garment to give you a feeling of luxury like no other

Padded Plunge Bra, at Marks and Spencer
Everyone's skin tone is different, so after some research into skin tones we've come up with Body Nudes, a range of flattering shades to suit everyone. Body Nudes is soft and comfy with no visible lumps or bumps, so you can be sure your clothes will look their best

Contrary to popular opinion, not every insurance company is out to get you, and it's not every insurance company that will disect the fine-print until they find some way of denying your insurance claim. However, you do need to shop around for the financial products and insurance policies that are the best suited for your individual needs.

That's why insurance policies, and other financial products, from Marks & Spencer are so useful. M&S Finance financial products are, of course, designed to make Marks & Spenser a profit, but there is no denying that they are also very good value for money, offering many features as standard which you'd often need to pay extra for at other insurance companies.

Take, for example, Household Insurance policies. Usually, UK Household Insurance policies have limits on particular types of items such as freezer contents, garden furniture and outdoor toys, outbuildings or cars, etc. These restrictions are called inner limits. However, the only inner limits on the M&S Finance Household Insurance policy are £500 for cash; £2m for property-owners and personal liability; £10m for domestic employees liability and £40,000 for tenants liability. Even better is the fact that you're likely to pay no more for M&S Finance Household Insurance than you will anywhere else, and you may even pay less with M&S.